教育储蓄计算器 — 公式

College Savings Calculation

Total Cost = Annual Cost × Years

The monthly savings needed is calculated by finding the gap between the total cost and what your current savings will grow to, then solving for the PMT needed to fill that gap.

计算示例

$30,000/year for 4 years, 10 years away, $5,000 saved, 6% returns.

  1. Total cost = $30,000 × 4 = $120,000
  2. Current savings in 10 years = $5,000 × 1.005^120 = $9,097
  3. Gap = $120,000 - $9,097 = $110,903
  4. Monthly savings needed = ~$679